Feature RequestThis is an on-demand feature. Please raise a request with our Support team to get this feature activated on your Razorpay account.to get this feature activated on your account.SUCCESSAvailabilityThis feature is available only for US, UK, and Canada cards.
Example
Suppose an international customer, John Doe, uses a Wells Fargo credit card to make an online purchase on your website with the following address:Advantages
The advantages of using the Address Verification System are:- Extra layer of security for your customers: Your customer’s lost or stolen credit card cannot be used for fraudulent transactions as the address entered during the transactions will not match the address in the card issuer’s database. Razorpay will not authorize such transactions. This protects customers from credit card fraud to an extent.
- Higher chances of winning cashback disputes: Suppose your customer’s stolen or lost card is used for transactions, and the fraudulent party uses the customer’s correct address. In that case, AVS cannot detect such transactions as fraudulent as there is no address mismatch. Razorpay authorises such transactions. If the customer files a chargeback dispute, you are more likely to win the dispute as the transaction passed the AVS check.
Prerequisites
- Integrate with Razorpay Standard Checkout. This feature is available for all types of Standard Checkout, including server language SDKs, e-commerce plugins, and products such as Invoices, Payment Button, Payment Links and Payment Pages.
- Enable international payments for your Razorpay account.
How it Works
Below is a diagram of the workflow:How Customers Add Card and Address Details at Checkout
Your customers can add their card and address details on the checkout pop-up page for address verification.1
Step 1
The customer selects
card as the payment method and enters the credit card details.2
Step 2
The customer is asked to enter their billing address. This is a one-time activity and Razorpay will save the address securely. Customer will not be asked to provide the address on repeat transactions.
3
Step 3
The Address Verification System matches both addresses. There can be three types of matches:
- Complete Match: The address provided by the customer matches exactly with the address available with the card issuer.
- Partial Match: This indicates that the billing address being compared has the same ZIP code or the same numeric values in the street address, but not both.
- No Match: A
no matchresponse indicates that neither part of the billing address matches the card issuer data. This can act as a strong signal of potential fraud.
4
Step 4
Based on the match, Razorpay takes the following actions:
- Authorise the transaction: The transaction is authorised, and the credit card is debited.
- Cancel the transaction: The transaction is declined.